Barclays Partner Finance Reviews 

Completely baffled I’ve used Apple iPhone upgrade program that is financed by BPF 4 times any never had a problem been approved every time in past. This years I try to upgrade my iphone like I do every year to iPhone 15 pro max but this year for some reason BPF declined my application for credit. BPF awful customer service won’t give me a reason. My credit history is excellent as is my credit score. Nearly cost me my upgrade I had to use an alternative company to finance my phone.

I applied for credit on a iPhone 15 Pro and I have been declined this is very strange as I've just finished paying off Samsung Finance.
I also bank with Barclays and have a credit card and 3 more credit cards.
Then someone call up Barclays Finance and you get through to a rude and not helpful person which is CRAP.
I don't know why Apple uses this crappy company for who declines myself and others!!
My Experian score is in the 700's too, so it makes no sense.

Currently single payment of my last iPhone, decided to get new one, declined credit for £700, though I have a credit score of 1000, perfect history.
Apple are the losers, might look into a Samsung phone and see if I get credit.

Barclays gave me £3,000 of credit last year. They sent me an emails saying that I need to use the credit again or it would expire in October 2023. So I ordered a £124 item from Amazon at which time Barclays insisted on doing a fresh credit check which they rejected claiming that they check with Experian.

My Experian credit score is 981. I have more than 6 years with no missed payments. I own my own home. My credit score couldn't really get much better but Barclays don't feel I can be trusted with £124 worth of debt spread across three months.

This service really damages Barclays and Amazon's brand and I won't be using it again.

Apple use this company, yet they turn you down for a £37 a month loan. Two personal pensions, State and NHS both index linked. Wife has the same. House paid for, 3 year old car paid for, same address 17 years and a credit score of 894 out of 1000. Of course they refuse to give a reason, but hopefully the government are going to stop that, because all I can think of is ageism as I'm 71. Disgraceful and they wouldn't get away with it for any other ism!

Terrible customer service, one of the worst experienced in my life, they literally don't know what they are doing and what's going on around them.

Horrible, Apple has to change them financing people, I have been approved for a loan for iPhone 15 and I have changed my mind to change it to iPhone 15 pro max, Apple advised me to cancel the loan and reapply again, and they decline me, I will change my bank soon never use BARCLAYS again!!!

Unprofessional practice and obstructive , it is clear the intention is not to stop lending . Very misleading call agents except one .

I applied to finance a new iPhone through BPF. I have an 850 credit score, have been at my current address for over 4 years, and have an income over £50k. I previously had a BPF loan for an iPhone which I settled in full a year ago, my credit score shows no missed payments in six years. I got an email saying I’d been rejected, so called to see what was wrong. First call, their systems were down, so they couldn’t look into it. Second call, they’d been unable to verify my address, so the helpful agent raised a complaint. Third call, apparently it’s nothing to do with my address, and the very unhelpful agent just kept repeating “internal lending criteria”.

Avoid them like the plague, they’re useless

I've got a 999 credit score, never been refused credit before but today on the apple site I was declined in mins, No reason given, and as per usual its impossible to get somebody on the phone. I didn't realize how bad Barclays Partner Finance is until read some of the reviews which I concur with. AWLFUL AVOID

I want to give Grace from the complaints department a huge thank you. She corrected an error, compensated me and delivered an overall exceptional service.

I use BPF with Amazon.
Amazon seriously need to step in and chose another payment partner. What the eff is the point of having a £3k limit when BPF have to approve every purchase anyway? Two previous plans paid on time and now in full and an 'excellent' credit score with all CRA's....They must prey on people in a lesser financial situation so they can make interest. Absolute dog exrement of an organisation.

They are crooks , paid over 6k for a 3k loan over 10 years , would not change rate , would not do partial settlement and wanted charge me £30 for early settlement.. plus would not write off the 12p i owe.
Parasites.. the staff were helpful though.

Have a Barclays Platinum Credit Card with a huge limit. Held a Business Account with them previously. Have a 6 figure income and Excellent credit rating on Experian. 0% seemed attractive but apparently I will struggle to pay £80 for 3 months. Absolute joke. Paid in full and will never be clicking on BPF again.

Just declined my Apple finance application tonight for a phone contract costing £20 per month, despite good credit and no missed payments.

Also ran 2 hard searches on my file during the application. Experian notified me when it happened.

Simultaneously, approved someone in the same room as me who just came out of a formal debt solution and will have those defaults on their file for the next 2 years. Their credit is over 300 points less than mine. I also have a higher income. Absolutely preposterous.

Google shows I’m not the only person this has happened to. Do you only accept people who are a large financial risk?

And get this second search off my file.

Minus 10 stars for this fictional “credit score check”
I have 850 out of 999 credit score on experian and still not accepted.
No answers why,no details why I was declined!
Very much NOT recommended!

Spent 2 weeks trying to get a settlement figure. That’s two weeks after the final payment came out. They sent out two letters still showing the old figure. They won’t email it to me, my details for my finance because I have a Gmail email. They’ll only send to a dealer of whom has zero reason to receive it. I need the document to send to my bank to get the loan to settle, of which is time limited. So I can’t get my documents over the phone (of which takes about 10 calls to get a line that isn’t cutting out every 3 seconds), that I’ve been verified on with my details, but they can send it to a total stranger at a dealership we haven’t spoken to for 4 years. Perplexing. The fact there’s no form of website or app to manage this stuff is beyond unbelievable.

Barclays "gave" me £2500 of credit in total . I have £300 total ish to pay within next 6 month.No problem whatever. But they won't allow me to make another purchase of £1000 as my monthly limit is set to £33. W t f is that ?? It doesn't looks logic. My credit score is "excellent" . Never ever with this b******** again !!!it's waste of time filling the forms , answering 100s of nonsense questions and finally getting confirmation "your application is declined) I'll better pay in full rather having any business with Barclays especially when it comes about mortgage in a near future.

Your 1-star reviews shows something isn’t quite right with bpf. I’ve been telling you this for years. You will benefit from a simple app that we can use that shows our loan balance, payment date and a simple way to make a payment or over-payment when we like. Instead you insist on having an automated payment line with a stupid computer woman who won’t finish her questions and interrupts her own question with sorry I didn’t understand that or something stupid like that. It’s not changed for several years.

NOT EVERYBODY LIKES DIRECT DEBITS AND WANTS THE FREEDOM TO PAY ON PAY DAY AND OVER-PAY WHEN THEY WANT

Dodge Barclay's Partner Finance like the plague! I am disabled and had been a very loyal customer to Barclay's until someone has taken out finance in my name fraudulently. Due to the nature of my disabilities when this was done I was moving house to support my degenerative condition and my bank statement has clearly been taken. Once I noticed this coming from my bank once settled I immediately raised this and they've decided they don't care and I am being forced to pay for finance I didn't take out. They've ignored the fact that I've paid them tens of thousands before now and this finance is for £600. They've ignored the fact that the person has also done this to my partners details. They've destroyed my credit, harrassed me with debt collectors and are now forcing me to pay for something I did not take out. Completely taking advantage of my disabilities and my current situation, as if having a degenerative life shortening disability wasn't hard enough now I am being hounded to pay for other people's finance and they are a big corporation who have all the power to ruin people's lives and I am left completely stuck. Disgusting, utterly disgusting behaviour from Barclays.